Tuyển dụng Product Owner tại Hồ Chí Minh

Role Overview

We are looking for an experienced Tech Product Owner - Lending to own the end-to-end product lifecycle of our lending portfolio. This is a hands-on technical product role where you will work embedded with engineering teams in an Agile/Scrum environment. You will drive product strategy, write detailed technical requirements, and collaborate daily with developers, QA, and DevOps to ship high-quality lending products.

Key Responsibilities

Agile Product Ownership

Act as Product Owner in Scrum teams, owning and prioritizing the product backlog

Run sprint planning and backlog grooming meetings with engineering teams

Write clear user stories with acceptance criteria in INVEST format

Make prioritization decisions and unblock the team

Product Strategy & Roadmap

Define and own the lending product roadmap aligned with business objectives

Conduct market analysis, competitive research, and customer insights to identify opportunities

Prioritize features based on customer value, business impact, and technical feasibility

Break down epics into deliverable vertical slices for iterative releases

Technical Product Development

Lead end-to-end product development: ideation, requirements, UAT, launch, and iteration

Write detailed PRDs with technical context (API specs, data flows, system dependencies)

Work closely with backend, frontend, mobile engineers and QA on technical feasibility and trade-offs

Participate in API contract reviews and integration planning

Feature Ownership

Origination Digital loan applications, instant eligibility checks, e-KYC and e-signature flows

Loan Products Revolving credit lines, short-term loans, instalment loans, and buy-now-pay-later

Pricing & Limits Interest rate and fee structures, credit limit management, tenors

Repayment Flexible repayment schedules, early settlement, auto-debit, payment reminders

Collections Delinquency prevention, grace periods, dunning workflows, restructuring, write-off handling

Customer Experience Loan tracking, balances and statements, self-service on mobile app, push notifications

Platform Responsibility

Cake App (End-user) Own lending features on mobile app — loan application, repayment, transaction history, statements, notifications

Cake Portal (Bank Staff) Own internal tools for lending operations — approval workflows, limit adjustment, dispute handling, collections, customer support workflows

Lending Platform (Backend) Own product rules and loan lifecycle configuration across origination, loan management, and core banking integrations

Stakeholder Management

Partner with Risk, Credit, Compliance, Operations, Collections, Finance, Customer Service, and Business Development teams

Present product updates, performance, and roadmap to leadership and stakeholders

Manage vendor relationships (credit bureaus, e-KYC providers, payment and collections partners)

Analytics & Optimization

Define KPIs: approval and take rates, activation, utilization, delinquency, revenue, unit economics, NPS

Analyze portfolio performance and drive data-driven improvements

Design and run experiments (A/B tests) on pricing, limits, tenors, and collections treatments; scale what wins

Partner with Finance and Data to maintain an accurate, agreed view of product performance in the market and in the books

Yêu cầu công việc

Requirements

Mandatory

3+ years of Product Management (Product Owner / Product Manager) experience in the banking or fintech industry.

Hands-on experience managing lending or credit products.

Deep understanding of the loan lifecycle: origination, disbursement, repayment, collections, write-off

Hands-on experience with lending products: personal loans, revolving credit/overdraft, or BNPL

Knowledge of loan economics: interest and fee structures, repayment schedules, accrual and provisioning basics

Experience with loan processing systems (loan origination, loan management system, core banking integrations)

Agile & Technical Skills

Proven experience working in Agile/Scrum teams as Product Owner or Tech PM

Proficient with Jira, Confluence, and agile tools for backlog management

Strong understanding of APIs, REST, system integrations, and technical architecture

Ability to read and review API documentation, sequence diagrams, and technical specs

Comfortable with SQL and analytics tools for portfolio analysis and dashboarding

Experience with mobile app product development and release cycles

Comfortable working in fast-paced, iterative development environments

Nice to Have

Experience with digital-first or neo-bank lending products

Knowledge of Vietnam banking regulations (SBV) on consumer lending and credit

Background in credit risk management, underwriting, collections, or product finance/accounting

Hands-on experimentation experience (A/B testing, incrementality measurement)

MBA or relevant advanced degree

Quyền lợi

• Thưởng: Lương thưởng tháng 13 + Performance Bonus (up to 3 tháng thưởng/năm)
• Chăm sóc sức khoẻ: Khám sức khỏe định kì
  BH Khám chữa bệnh Premium
• Khác: Phụ cấp Becorp
  15 ngày phép năm dành cho toàn bộ nhân viên